However, when you sell the home, you will owe 20% of any appreciation on the home in addition to whatever you borrowed.My intention going into this was to house hack for a year or so and then refinance.

DTIs do not apply, not tax return / personal income eval

30 year fixed, low interest rate DSCR BLANKET loans (put multiple 1-4 unit properties under one loan for cash out or for purchase).Ground Up Construction loans for aspiring developers with NO Experience100% Financing on Fix and Flips (just pay closing costs and prepaid taxes/insurance)Fix and Flip financing that requires no appraisalHELOCS on investment propertiesBuilder's Forwards (for medium to larger developers who want to hedge interest rates on their properties they plan to sell so they can offer "low builders rates").DSCR loans for long term AND short term rentals (I think this is becoming more and more common, but some people have still never heard of this).And so much more!  

I can sell the units hopefully for about 840,000 before realtor fees of 5 percent and whatever I'll be taxed on.

Basically trying to get the most tax benefits and protection as possible.

I live abroad in Bermuda and I'm currently unable to buy property there due to restrictions and transaction taxes.

Tax deductible improvements such as drainage tile, terracing, irrigation can significantly improve the productivity and the value of the land.

If you have rental income, do you already have your 2023 taxes filed? 

The mortgages and closing expense can be written off to eliminate the taxes as you want 

I know the question doesn't involve tax bracket, age etc.